RESEARCH OF CREDIT POLICY PROSPECTS IN THE DEVELOPMENT OF UKRAINE’S AGRICULTURAL COMPLEX
| Autor: | N. Shmygol, O. Galtsova, S. Kushnir, L. Beisenova, S. Zasoba, L. Matvejciuk |
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| Jazyk: | English<br />Ukrainian |
| Rok vydání: | 2022 |
| Předmět: | |
| Zdroj: | Фінансово-кредитна діяльність: проблеми теорії та практики, Vol 1, Iss 42 (2022) |
| Druh dokumentu: | article |
| ISSN: | 2306-4994 2310-8770 |
| DOI: | 10.55643/fcaptp.1.42.2022.3570 |
| Popis: | Abstract. In the study, it was found that today bank lending to agro-industrial enterprises in the short term does not have economically justified prerequisites for its development and can not perform a stimulating function. Low or negative profitability and accumulated losses of previous periods do not cover the high price of credit resources. As a result, the attraction of credit funds in the economic activities of enterprises overtime only worsen the already difficult financial situation. On the other hand, the existing lending practice has already led to the fact that about 55% of loans are not repaid on time. That is why the banking system needs to apply stricter approaches to risk management when choosing counter parties. Otherwise, it will also threaten its stability. The scientific novelty of this work is the economic justification of the feasibility of lending to agro-industrial enterprises of Ukraine, based on banking statistics and modern approaches to financial management and, unlike the existing situation, taking into account the interests of both businesses and the banking sector. Keywords: agro-industrial enterprises, credit resources, banking system, financial management, borrowed capital. JEL Classіfіcatіon G21, G28, G29, O10 Formulas: 2; fig.: 0; tabl.: 1; bibl.: 15. |
| Databáze: | Directory of Open Access Journals |
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